Evidence from a range of fields shows that representation-connection (RC) is the key step towards the solution of a real-world insight problem. However, no study has focused on the inter-individual variability in RC, and little is known about whether structural and resting-state functional signals can account for inter-individual differences in RC. Combining structural (regional grey matter density, rGMD) and functional (fractional amplitude of low-frequency fluctuations (fALFF) and resting-state functional connectivity (RSFC)) analysis approaches was used to examine the neural substrates of RC. The results showed that the RC score was positively correlated with rGMD and fALFF values in the bilateral lingual gyrus (LG), which might be related to relevant visual imagery during the correct matching of a specific prototype with an unsolved technical problem and the retrieval and application of key information from prototypes. In addition, the RC score was negatively correlated with the rGMD in the left dorsolateral prefrontal cortex (DLPFC), and functional connectivity analysis revealed that a higher RC score was inversely correlated with the strength of the RSFC between the right LG and the left inferior parietal lobule (IPL), which indicated that RC might be supported by decreased response inhibition and the automatic association of semantics.